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Brookhaven Bank

Atlanta, GA · Cert 58456

FDIC

Q3 2013

$168.8MAssets
$119.4MLoans
$138.9MDeposits
$20.9MEquity
Loan mix
52%RE $50.7M47%C&I $45.8M1%Consumer $0.9MQ3 2012Q3 2013
Deposit mix
86%Interest-bearing $118.8M14%Noninterest $20.1MQ3 2012Q3 2013

NIM

4.99%Q3 ’114.20%Q3 ’123.95%Q3 ’13-10%+0%

Non-interest income vs. expense

2.99%Q3 ’112.82%Q3 ’122.80%Q3 ’13-18%+7%

Executive Summary

  • Earnings: ROA of 2.06%, up 125 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 85.97% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

2.06%+125 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+1 bps YoY

Efficiency Ratio (YTD, annualized)

74.91%+273 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.82%0.79%0.72%2.80%2.06%+125 bps
Return on Equity7.32%7.02%6.16%23.97%17.43%+1,011 bps
Net Interest Margin3.47%3.36%3.54%3.57%3.48%+1 bps
Efficiency Ratio72.17%69.50%78.22%76.03%74.91%+273 bps
Non-Interest Burden2.38%2.17%2.73%2.68%2.54%+16 bps
Growth
Asset Growth (YoY)12.55%9.31%0.71%8.94%-3.68%-1,623 bps
Loan Growth (YoY)5.27%-1.72%-1.12%0.43%7.35%+208 bps
Deposit Growth (YoY)13.02%8.64%-1.49%7.35%-5.62%-1,864 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.88%0.00%0.00%0.16%+8 bps
Allowance / Loans2.39%2.09%2.04%2.06%1.92%-47 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.06%16.24%16.25%15.89%15.67%-39 bps
Equity / Assets10.89%11.33%11.96%11.71%12.37%+148 bps
Liquidity & Funding
Loans / Deposits75.58%75.04%82.70%78.45%85.97%+1,039 bps
Liquid Assets / Assets9.20%6.57%2.84%8.17%2.96%-624 bps
CRE / Total Capitaln/an/an/an/an/an/an/a